Our Goal

Our goal is to provide you with compassionate, timely, and professional service while decreasing the amount of license and/or insurance points that can come from pleading guilty (or paying off) a speeding ticket.

In order for us to be transparent and for you to be informed about your ticket, we have provided some helpful information about traffic violations.

Below is a Driver’s License Points guideline to show what points can be put on your license as a result of a moving violation ticket.

Driving While Revoked or Suspended

Suspended

Reckless Driving

4 points

Hit and Run (property damage)

4 points

Passing a Stopped School Bus

5 points

Speeding (75 mph or greater when limit <70)

Suspended

Speeding (80 mph or greater when limit 70)

3 points

Illegal Passing

4 points

Following Too Closely

4 points

Stop Sign/Stop Light Violation

3 points

Speeding Through Work Zone

3 points

Driving with No Operator’s Line

3 points

Failure to Stop for Siren

3 points

Driving with no Liability Insurance

3 points

At Fault Accident (property damage > $1,800, but <$3,000)

3 points

Speeding (>10mph over limit when speed limit is >55, but <76)

3 points

Speeding when limit is 55mph or greater

3 points

Speeding when limit is 55mph or less

2 points

Speeding in School Zone

3 points

All other Moving Violations

2 points

Failure to Restrain Child in Restraint

2 points

At-Fault Accidents (injury or property damage <$1,800)

3 points

Speeding (10mph or less over limit when speed limit is less than 55)

2 points

Non-moving violations

0 points

Insurance Points and 3 year Premium Increase Information

SDIP Points

Convictions and at-fault accidents

Rate of Increase

12

∙ Manslaughter or negligent homicide ∙ Prearranged highway racing or knowingly lending a motor vehicle for prearranged highway racing ∙ Hit-and-run resulting in bodily injury or death ∙ Driving with a blood-alcohol level of .08 or more ∙ Driving commercial vehicle with a blood-alcohol level of .04 or more ∙ Driving while impaired ∙ Transporting illegal intoxicating liquor for sale

∙ Driving during revocation or suspension of license or registration ∙ Aggressive driving

195%

4

∙ Reckless driving ∙ Hit-and-run resulting in property damage only ∙ Passing a stopped school bus ∙ Speeding in excess of 75 mph when the speed limit is less than 70 mph ∙ Speeding in excess of 80 mph when the speed limit is 70 mph or greater ∙ Driving by a person less than age 21 after consuming alcohol or drugs

80%

3

∙ At-fault accident resulting in death, or total bodily injury* (to all persons) in excess of $1,800; OR resulting in total property damage (including damage to insured’s own property) of $3,000 or more.

60%

2

∙ Illegal passing ∙ Following too closely ∙ Driving on wrong side of the road ∙ At-fault accident resulting in total property damage (including damage to Insured’s own property) in excess of $1,800 but less than $3,000 ∙ Speeding more than 10 mph over the speed limit provided the total speed is in excess of 55 mph, but less than 76 mph ∙ Speeding 10 mph or less in excess of speed zone of 55 mph or greater

45%

1

∙ All other moving violations ∙ At-fault accident resulting in bodily injury* (to all persons) of $1,800 or less; OR resulting in property damage (including damage to insured’s own property) of $1,800 or less ∙ Speeding 10 mph or less in excess of speed limit of less than 55 mph

30%

No SDIP Points will be charged for:

An accident provided all of the following are true:

There is property damage only

The amount of damage is $1,800 or less

There is no conviction for a moving violation in connection with the accident; and

No licensed operators in the household have convictions or at-fault accidents during the experience period. (An insurance company may require that the insured be covered by that company for six continuous months.)

Speeding 10 mph or less over the posted speed limit; provided all of the following are true:

The violation did not occur in a school zone; and

There is not another moving traffic violation for the experience period (an isolated Prayer for Judgement Continued [PJC] will not count as a prior conviction for the purpose of this exception).

One PJC for each household every three years; however:

A second PJC may cause points to be charged according to the underlying convictions.